"RosDengi": abanamatyala ncomo. Microloans - uncedo lwemali okanye ubukhoboka?

Namhlanje, inani labemi mboleko usebenzisa microloans lishishini inzuzo enkulu. Unga ukuqinisekisa oku, ubuncinane ujonge kwimarike, apho imisebenzi enxulumene micro-mboleko yenziwe. Apha kukho ezininzi iinkampani ukuba baphiwe oku.

Oku kubonisa inani lezinto. Okokuqala, imfuno ephakamileyo imali, "fast" kwaye okwesibini, isibakala sokuba abantu baya kunyanzeleka ukuba ukuboleka imali (leyo abanalo ukuba eninzi unika umvuzo), yaye okwesithathu, ukuba mboleko ezibalaseleyo inkampani zezi kule agaye nemali.

Kwimeko yeli nqaku siza kujonga kwindawo yokuqala, ingcamango ukuba microcredit enjalo - olunye uhlobo lobukhoboka okanye isixhobo zemali nenzuzo ngenene, ngalo uyakwazi ukucombulula iingxaki zabo; Okwesibini, siya ukuchaza enye iinkampani ezinkulu yokukhutshwa microloans, leyo ibizwa ngokuba "RosDengi". Izimvo abanamatyala zeziko, kwakunye neenkcukacha ezivela kuluntu kuya kusinceda siqonde ngcono lo mbuzo.

Microcredits. umzekelo

Siqala, Kakade ke, lo mbuzo ngokubanzi yintoni na microcredit. Ndiqinisekile abaninzi kuthi sele ukuqonda umahluko phakathi ebizwa ngokuba "mboleko ukuzila 'ukusuka mboleko yabathengi elula. Kodwa ke kubhetele sinikela umzekelo ezizakubonisa lesi sigaba.

Ngoko ke, masithi sithatha mboleko yokuthenga nefriji. Le mali esilingana ezintathu zemivuzo yethu, thina intlawulelo ngokuthe ngcembe, unika ezinye inxalenye imivuzo yabo, nithi, kwisithuba esingangonyaka. Le yomboleki yeentengo zemboleko zakudala, nto leyo yenziweyo, ngokuqhelekileyo kwezinye ezibalulekileyo, iindleko ezinkulu.

Omnye umzekelo: imali sahlala, nangona umvuzo kusenjalo iintsuku ezi-5. Imali efunekayo ukuba ukuya evenkileni ukuthenga iimveliso efika. Kakade ke, akukho nto iseleyo kodwa isicelo semali-mboleko encinane. Emva kokufumana umvuzo ngaphantsi kweveki, siya kuya kubuyekeza le ityala. Kwaye isebenza microloans, okanye njengoko ngakumbi elibizwa ngokuthi, imali-mboleko msinya.

Isantya processing kunye neemfuno eliphantsi

"Fast" ubizwa ngokuba ngenxa indlela inkqubo yokubhalisa elula owandulelayo. Kunokuba lokuqokelela izatifikethi ezahlukeneyo zengqesho ibonisa idatha ethile asethi zazo (njengoko kunjalo le nkonzo), kwimeko abasebenzisi micro-credit niyinikele nje yokundwendwela. Kwezinye iimeko oku kufuna ulwazi ngokubanzi kuphela malunga oko ziyasebenza yaye, ke ngoko, abe ngumthombo uthotho yengeniso. Nzulu njengoko ziibhanki, iinkampani kukhupha microloans, hayi ukumba.

Isizathu soku "ukulalana" le nkampani kukuba kukulungele kanye ukuba benze loo mboleko. Ukuba umthengi ubuyisela imali kwexesha, yena ngokungaphaya kakhulu ipesenti eliphezulu ukusetyenziswa kwemali (umzekelo 10% iintsuku ezili-10 - oku umlinganiselo eziqhelekileyo). Kwelinye icala, ukuba onetyala ingabuyeli imali ngexesha, nto ulindele ukuba batsale iinkundla kunye ilahleko enkulu yemali. Imigaqo micro-mboleko abanjalo ukuba umthengi uya kubuya amaxesha amaninzi ngakumbi ekuqaleni wathatha. Kule kwaye wenze ofisi ezinjalo.

isixhobo Financial okanye ubukhoboka?

Eneneni, kwinqaku yethu microloans, aze abuze umbuzo yintoni ingqalelo umsebenzi ofisi, ezimisa ekuqaleni ipesenti ephezulu gqitha iinkonzo zabo.

Kwelinye icala, sinako ukuqonda abanamatyala ujongene nengxaki imali. Abantu abenza i-mboleko ekhawulezayo, ngaphandle koko, njengoko umthetho, musa abalulekile imali ukhetho. Asinto abameli izityebi zabantu, njengoko umthetho, aphile kwi lomvuzo omnye (ngaphandle ezinqabileyo). Sona kanye umsebenzi microcredit - ukunceda "ukuzabalaza" de intlawulo elandelayo.

Ngoko ke, xa inkampani ucela umntu ukuba ahlawule-10% nangaphezulu, ukuba sele ngokonakalisa (sele kunzima) isikhundla sakhe zemali ukuze ufumane inzuzo yabo. Ebona oku, abathengi ezininzi ezimbi, eshiya ezingakhiyo malunga ofisi ezinjalo.

Omnye umbuzo - oku inzuzo nkampani Ihlela microloans nokukhutshwa. nenzuzo wayo ukuba kude umboleki ngamnye imali ukuba anikwe kwi ekuqaleni, ngenxa umdla kakhulu. Kwaye ke, akukho namnye enyanzelisa umntu lokukhupha amboleke iimeko ekuqaleni nezinzima; zaza zasayinwa kuphela sivumelwano - ukuba nceda, ahlawule! Ngoko ke, xa kujongwa ukusuka ngamehlo izinto ezenziwayo, le kubaboleki zezi ityala ngendlela abaye baphathwa (kwimeko non-payment) uhlobo olufanayo "RosDengi". Izimvo abanetyala ngayo ngamanye amaxesha engemihle a ngokucacileyo, kodwa "ishishini ishishini" ...

Indlela ukulahla microcredit?

Kuxhomekeke yokwenza imali yetyala, ukuba ndikumise ube ulikhoboka kunye inkosi yakhe. Ukuba rhoqo uhlala mboleko enjalo, ngoko, mhlawumbi, nje akazi ukuba balungiselele indlela oyisebenzisa ngayo imali yabo. Kwelinye icala, lokuqhubeka microcredit kuphela kwiimeko ezithile, kakhulu, uyakwazi ukugcina meko. Emva koko, Kakade ke, kufuneka ngokukhawuleza kangangoko kunokwenzeka ukuze uhlawule ityala, ukuze esingasingisi iingxaki ezininzi.

Lawula imali andazi ukuba njani bonke. Ichaza inkampani "RosDengi" kwakhona banamatyala ukuqinisekisa oku. Umzekelo, kukho ezingakhiyo kwabo baye kwalibaziseka intlawulo ngenxa-veki okanye balibala kanye oko wayesiya 'imini lokubalwa. " Kucacile ukuba kubaboleki ezinjalo ngokwabo ityala ngeengxaki zabo, baze babe mboleko olunjalo ngokwenene babe ubukhoboka. Awukwazi uthi malunga abaxhasi ukufika neliyingqondi, ukubukela bazibhijabhija ngenxa ngokosuku kwetyala.

Ngoko ke, njengokuba iyonke encinane inxalenye yokuqala yale nqaku sinokuthi ukuba ubukhoboka ityala eyoyikisayo kuwe, ukuba uyakwazi ukugcina umkhondo ngemali yakho, ukulawula kunye nawokuyeka.

Inkampani "RosDengi"

Kwinxalenye yesibini ndingathanda ukwazisa ukuba enye intlangano inkulu micro-credit yemarike, leyo ibizwa ngokuba "RosDengi". Loan apha Ungafumana phantse nabani na ngokuxhomekeke kwiimfuno ezidweliswe kwi website lwabo. Kufuneka ke ukuba sinyanisekile ngokwaneleyo (iinkcukacha ezithe vetshe ubhale kamva).

Ngenxa amava abatyebileyo ngesakhiwo (emarikeni kubhaliwe thaca ukususela ngo-2010), kwakunye nothungelwano olubanzi ofisi (imisebenzi inkampani yakho ngaphezu kokuba imizi kwekhulu kweli lizwe), ukuze kuqwalaselwe ukuba lo mbutho liphuhlise indlela lakhe kushishino kunye nonxibelelwano kunye nabathengi nto ifana naleyo lokugqibela. Oku kugwetywa ngenxa yokuba ngexesha lonke ixesha yokusebenza, inkampani uthathe iziniki-ngaphezu kwesigidi baseRashiya.

Mission and Values

Noko ke, thina sithetha nje i "yemibhobho" yorhwebo enika mboleko bonke ukubenza. Enyanisweni phambi kwethu - lenkampani kunye neenqobo zayo kunye nomnqophiso, nto leyo uxoxwa ngokweenkcukacha kwi website esemthethweni "RosDengi" (abatyali-ncomo, Kakade, ngeke ukwabelana le migaqo). Ngoko ke, lo msebenzi ophambili zeqela kukunika abathengi ithuba ukusombulula iingxaki zabo zemali njengoko eyiyo kwaye ngokukhawuleza kangangoko kunokwenzeka, ukufumana kule isakhiwo-mboleko elifutshane. Isaci nkampani: "Thina zikufutshane, ukuba ufuna le mali." Kangangoko sinako ukubona, la mazwi bahambelana imeko yokwenene kule nkampani, esilawula ofisi ezintsha kuphela ukwandisa isabelo sayo emarikeni.

impendulo

Isebe iphambili yale nkampani kubekwe eSt Petersburg: kokuba uphunyezwe njengesikhokelo; Baya kwisicelo efanayo kunye nesishwankathelo abasebenzi ezinokwenzeka. Noko ke, njengoko ingxelo ngasentla, uyakwazi ukufumana i-ofisi qela, mhlawumbi, yaye isixeko yakho. Funda ngakumbi apho ukuya kufumana imali, nceda tsalela 8-800-200-50-51. Oku wakhonza yinkampani "RosDengi" iminxeba yoncedo yona simahla. Nceda uqaphele ukuba, ukongeza kwifowuni, kwi website inkampani kukho uhlobo lonxibelelwano online. Ngoko ke yonke undwendwe ungathumela umyalezo kwinkampani Umcebisi i unomdla nesihloko kwaye ufumane impendulo ngoko nangoko.

Kwikomkhulu, esebenza isebe, "RosDengi.Moskva" inkampani. Ofisi Local ukuba agqalwe ngokwahlukileyo (kwisayithi zabo akakho): ii-ofisi ezintathu eziphambili .Moskovskoy Street 14A Street. Esibizwa, 2, nangaphandle Station, 18b. iiyure zomsebenzi - de kube 20:00, phones ingafunyanwa kwi umnxeba.

Ukuze ufumane inkcazelo malunga nendlela iqela imelwe kwezinye izixeko, unako ukufunda ngendlela efanayo. Oku kubalulekile kuba ofisi inkampani "RosDengi 'nala maziko, apho ubhaliso lwe-mboleko.

iimeko

Ukuba uyakholwa ukuba website esemthethweni ukufumana imali-mboleko kwiinjongo zakho apha ilula. "RosDengi" (inkampani microfinance, leyo saziwe) inikeza-mboleko ukuze le mali ziliwaka ku-30 amawaka engange ukuba nabani na 18 kwaye abangekho ngaphezulu kwe-70 yaye ingeniso ngokuthe ngcembe. Umhla bukhulu zirisithi iintsuku ezili-17, ubuncinane - 7. Lo mbutho yenza kube lula ukwandisa ixesha intlawulo xa kuthe ukuba umsebenzisi akakwazi ukuhlawula ngexesha.

Izimvo abanamatyala

Njengoko sele sibonile, uninzi izimvo ezimbi malunga nenkonzo eyenziwe abo ngaxa lithile wathabatha mboleko kwaye ayikwazanga ukubuyela ngexesha elililo. Abantu babhala ukuba inkampani "RosDengi" afune akunakwenzeka, oko kwandisa umdla ibalwa amandla amatsha amatyala, rhoqo ukwandisa uxanduva onetyala ngayo. Kwelinye icala, le nkqubo ngokwemvelo, kuba imali ebikhutshelwe sona, kwaye ke umntu ubeyazi yena into abeza.

Ke ukuba umgangatho wenkonzo sonke - akukho zikhalazo sele zichongiwe. Isibakala sokuba le nkampani ifuna ukuhlawula amatyala - kukwacacile, kuba yinto umsebenzi wabo kunye nokukwazi ukusebenza emarikeni elizayo.

Impendulo evela kubasebenzi

Abantu abasebenza apha nazo kakhulu ushiye izimvo malunga "RosDengi" inkampani. Le mali ke apha, Kakade ke, akuzange evulekile, kodwa ubhale zombini ncomo akhabayo kunye navumelanayo. Umntu uyavuya ukuba unikwa ithuba lokuba bafunde into entsha kwaye wenze imali eninzi xa kunokwenzeka ukuba asebenze nzima. Abanye isikhalazo ukuba kukho inkqubo ukuhlolwa yabasebenzi ngqongqo kakhulu, ukuba abasemagunyeni abazange ukunika ithuba lokuphuhlisa, njalo-njalo. Uthi mass, kodwa bonke zinxulumene ngabanye. Abanye akakwazi walala phantsi yonke umfanekiso - okurhafisa zenkampani kwi-website kunye nokubuyekezwa amanqaku malunga 3.5 ngaphandle kwe-5.

iziphumo

Loo "RosDengi" sinokuthi malunga inkampani? Lo mbutho usebenza entsimini ngokwanelisayo engqongqo, ukhuphiswano kunye nezintsonkothileyo (ngokwemiqathango bengqondo). Le meko-mali, apho lo mgaqo "ishishini ishishini", leyo ikhankanywe ngasentla. Into eyenza ukuba inkampani iyasebenza ukususela ngo-2010 waza wavuka kuphela lonke eli xesha, - sisalathisi indlela echanekileyo yolawulo yayo. Njengoko ngezohlwayo oqi- ngokuphathelele zombini umboleki kunye nabasebenzi - ngokuqinisekileyo sakhiwa aba bantu ukuqonda ukuzisola, kodwa bobabini babengazi ukuba uhamba.

Dibana ngoku lula ngokwaneleyo - yinto kwinqanaba eliphezulu UIF. Kukho ezikumgangatho ophezulu inkxaso (wakhonza "RosDengi" inombolo yefowuni siye waphucula ngentla - ukuba iziko lonxibelelwano non-stop, ziphucule kwi nawuphi na umbuzo). Kodwa ukuba abe likhoboka ngetyala lakho okanye sebenzisa ngayo njengesixhobo esiphumelelayo zokusombulula iingxaki zabo - oku sisigqibo esithathwe mboleki.